Split without limits
People, expenses and currencies are unlimited on Waves Free.
Explore the comparisonWaves vs Venmo Groups
Waves vs Venmo Groups. Split expenses.
Not your freedom.
Unlimited people and expenses for free. Settle with UPI, scan receipts, and keep everyone in sync.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
COMPARISON
See the difference
Compare the features, free plans and ways to settle.
Waves
Your shared expenses, together.
Venmo Groups
Compared from public sources.
| Feature | Waves | Venmo Groups |
|---|---|---|
| What it is | A dedicated expense-splitting app | A feature inside a payments app |
| Account | Join a group from a link in a browser with no account (guest access is time-limited) | Venmo account required |
| Group size | No limit on people | Up to 30 members |
| Settling up | Opens your UPI app with the exact amount. For PayPal it opens a payment link; for Venmo, PayNow, Pix and others it shows the payee details to copy. Waves never holds money | Settle in Venmo |
| Multi-currency | Every ISO 4217 currency, free. Fix the rate per bill, person or trip | Not listed |
| Works offline | ✓ | Not listed |
| Receipt scanning | Yes: 2 credits a scan on Free, 300 scans a month on Pro | Not listed |
| Voice entry | English, Hindi, Tamil, Arabic and Hinglish: 1 credit per AI command on Free, 100 a month on Pro | Not listed |
| Languages | English, Hindi, Tamil and Arabic (right to left) | English only on iOS |
| Privacy | Never sold. The shared ledger is on our server and is not end-to-end encrypted | Group activity is visible to group members |
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Last checked October 2026. Scroll horizontally on smaller screens to compare all columns.
Pay your way
Waves opens your UPI app with the exact amount. Waves never holds money.
See how settling worksBring your history
Create a group in Waves and add the same people.
See the move guideSwitch in 3 simple steps
Use Waves alongside Venmo
- 1
Start with your group
Create a group in Waves and add the same people.
- 2
Bring it into Waves
Add expenses as they happen.
- 3
Continue in Waves
To settle, pick Venmo as the payment method in Waves. It shows the payee details to copy into Venmo; Waves does not open Venmo for you.
Ready for your next shared expense?
Make the switch to Waves
Keep your groups, expenses and balances together.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
Why people switch to Waves
Not tied to one network
Your friends can pay by Venmo, PayPal, a bank transfer or UPI; Waves shows what is owed and the payee details for the method you pick.
International groups
Any currency, any country. Venmo Groups is part of the Venmo app.
Offline and scanning
Add expenses with no signal; scan receipts and speak them when you are online.
Venmo Groups tracks ongoing shared expenses inside Venmo, with up to 30 members, and settles in the Venmo app.
Waves works outside one payments network, in any currency and offline, and lists Venmo as one of many ways to pay.
Where Venmo Groups is better
Pay in the same app
If everyone has Venmo, tracking and paying in one place is the smoothest path.
No extra app
If everyone in the group already has Venmo, there is nothing new to install.
Frequently asked questions
Does Waves replace Venmo?
No. Waves tracks and splits; payments happen in Venmo or whichever app you pick.
Does Waves work in the US?
Yes, it supports USD. For Venmo it shows the payee details to copy, and for PayPal it opens a payment link. Waves never holds the money.
Do my friends need Waves?
They can open a group from a link in a browser with no account, with time-limited guest access.
Compare Waves with
Sources
- Venmo: start sending and receiving (checked 25 October 2026)
- Venmo help: group members (checked 25 October 2026)
- Venmo Groups launch coverage (Nov 2023) (checked 25 October 2026)
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Waves details: free plan and Pro features as described in the app and on this site; Pro-only items are marked. See something out of date? Write to hello@wavs.co.in.